Premera Blue Cross Preferred Bronze 6350 Benefit Booklet
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Premera Blue Cross Preferred Bronze 6350 $6,350 deductible (individual), $12,700 deductible (family) Contract for Individual and Families Residing in Alaska PREMERA BLUE CROSS BLUE SHIELD OF ALASKA Premera Blue Cross Preferred Bronze 6350 FOR INDIVIDUALS AND FAMILIES WHO LIVE IN ALASKA Premera Blue Cross Blue Shield of Alaska is a nonprofit hospital and medical service plan licensed in the state of Alaska. Your contract with us consists of this document, your application form(s), and any related endorsements. This contract describes the benefits of this plan. When you enroll and pay for coverage, we agree to provide the benefits of this plan to you and your enrolled dependents. We provide benefits for services that are medically necessary, as defined by this plan. Your benefits are subject to all the terms and conditions of this contract. Preferred INN and Non-Preferred providers will not make you pay a cash deposit. You pay only copays (if any), deductibles, coinsurance amounts, and for items not covered by this contract. This contract is renewable unless the terms to terminate the contract apply. Premera may change the contract and/or subscription charges with prior approval of the Alaska Division of Insurance. Written notice is sent to the subscriber at least 60 days prior to the change. Payment of subscription charges after notice to the subscriber will be considered acceptance by the subscriber. Failure to pay subscription charges will terminate this contract. YOUR RIGHT TO RETURN THIS CONTRACT WITHIN TEN DAYS If you are not satisfied with this contract after you read it, for any reason, you may return it. You have 10 days after the delivery date to return it to us for a full refund. Delivery date means 5 days after the postmark date. We will refund your payment no more than 30 days after we receive the returned contract. If your refund takes longer than 30 days, we will add 10 percent to the refund amount. If you return this contract within the 10-day period, we will treat it as if it was never in effect. However, we have the right to recover any benefits we paid before you returned the contract. We may deduct that amount from your refund. AFFORDABLE CARE ACT NOTICE This plan will comply with the 2010 federal health care reform law called the Affordable Care Act (see Definitions). If Congress, federal or state regulators, or the courts make further changes or clarifications regarding the Affordable Care Act and its implementing regulations, including changes which become effective on the beginning of the calendar year, this plan will comply with them even if they are not stated in this contract or if they conflict with statements made in this contract. PREMERA BLUE CROSS BLUE SHIELD OF ALASKA Jim Havens Senior Vice President Individual and Senior Markets PBCBS AK IP (01-2020) Preferred Bronze 6350 38344AK1060004-01 WELCOME Thank you for choosing Premera Blue Cross Blue Shield of Alaska for your healthcare coverage. This contract tells you about this plan's benefits and how to make the most of them. Please read this contract to find out how your healthcare plan works. Some words have special meanings under this plan. Please see Definitions at the end of this contract. In this contract, the words “we,” “us,” and “our” mean Premera Blue Cross Blue Shield of Alaska. The words “you” and “your” mean any member enrolled in the plan. The word “plan” means your healthcare plan with us. Please contact Customer Service if you have any questions about this contract or your healthcare plan. We are happy to answer your questions and listen to any of your comments. On our website at premera.com you can also: • Learn more about this plan • Find a healthcare provider near you • Look for information about many health topics Please also go to premera.com/ak/sbc for the Notice of Protection provided by the Alaska Life and Health Insurance Guaranty Association. We look forward to serving you and your family. Thank you again for choosing Premera. PBCBS AK IP (01-2020) Preferred Bronze 6350 38344AK1060004-01 HOW TO CONTACT US Please call or write Customer Service for help with the following: • Questions about the benefits of this plan • Questions about your claims • Questions or complaints about care or services you receive • Change of address or other personal information Premera Blue Cross Blue Shield of Alaska 3800 Centerpoint Dr., Suite 940 Anchorage, AK 99503 CUSTOMER SERVICE Mailing Address: Telephone Numbers: Premera Blue Cross Blue Shield of Alaska Local and toll-free number: 1-800-809-9361 P.O. Box 21762 Eagan, MN 55121 WEBSITE Visit our website at premera.com for information and secure online access to claims information. WHERE TO SEND CLAIMS Mail Your Claims To: Mail Your Prescription Drug Claims To: Premera Blue Cross Blue Shield of Alaska Express Scripts P. O. Box 21762 ATTN: Commercial Claims Eagan, MN 55121 P.O. Box 14711 Lexington, KY 40512-4711 Contact the Pharmacy Benefit Administrator at: 1-800-391-9701 www.express-scripts.com COMPLAINTS AND APPEALS Premera Blue Cross Attn: Appeals Department Local and toll-free number: 1-800-809-9361 P.O. Box 21762 Eagan, MN 55121 PEDIATRIC DENTAL ESTIMATE OF BENEFITS Premera Blue Cross Attn: Dental Review Local and toll-free number: 1-800-809-9361 P.O. Box 21762 Eagan, MN 55121 BLUECARD 1-800-810-BLUE(2583) PBCBS AK IP (01-2020) Preferred Bronze 6350 38344AK1060004-01 INTRODUCTION This contract is for members of Premera Blue Cross Blue Shield of Alaska. It describes the benefits and other terms of this plan. This contract replaces any other contract you may have received. HOW TO USE THIS CONTRACT Every section in this contract has important information, but you may find that the sections below are especially useful. How to Contact Us: Our website, phone numbers, mailing addresses, and other contact information. Summary of Your Costs: A list of your costs for covered services. Important Plan Information: Describes the applicable cost-shares, out-of-pocket maximums and allowed amount. How Providers Affect Your Costs: How your choice of a provider affects your benefits and your out-of-pocket costs. Care Management: Describes prior authorization, clinical review provisions and personal health support programs. Covered Services: A detailed description of what is covered under this plan. Exclusions: Services that are limited or not covered under this plan. Other Coverage: Describes how benefits are paid when you have other coverage or what you must do when a third party is responsible for an injury or illness. Sending Us A Claim: Instructions on how to send in a claim. Complaints and Appeals: What to do if you want to share ideas, ask questions, file a complaint, or send in an appeal. Eligibility and Enrollment: Information on who is eligible for the plan and how to enroll. Termination of Coverage: When coverage ends under this plan. Other Plan Information: Lists the general information about how this plan is administered and required state and federal notices. Definitions: Specific meanings of words and terms used in this plan. PBCBS AK IP (01-2020) Preferred Bronze 6350 38344AK1060004-01 TABLE OF CONTENTS SUMMARY OF YOUR COSTS ..................................................................................................................... 1 IMPORTANT PLAN INFORMATION .......................................................................................................... 10 Calendar Year Deductible ..................................................................................................................... 10 Copay .................................................................................................................................................... 10 Coinsurance .......................................................................................................................................... 10 Out-Of-Pocket Maximum ....................................................................................................................... 11 Allowed Amount .................................................................................................................................... 11 HOW PROVIDERS AFFECT YOUR COSTS ............................................................................................. 12 You Can Benefit By Designating A Primary Care Provider .................................................................. 13 When You Receive Care In Alaska Or Washington (The Service Area ............................................... 14 Preferred In-Network Providers (Preferred INN) ............................................................................ 14 Non-Preferred Providers ................................................................................................................. 14 Non-Participating Providers ............................................................................................................ 14 Accepted Rural Providers ............................................................................................................... 14 Dental Providers ............................................................................................................................. 14 When You receive Care in Washington ......................................................................................... 14 Special Circumstances ................................................................................................................... 15 Continuity Of Care .........................................................................................................................